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  "docId": "019de073-91b9-702a-8f5f-79de0f8ee2dd",
  "docSlug": "189f489098690fd08637a3694122d077",
  "documentTitle": "Pathward Financial | Credit Presentation Deck | 39 slides",
  "authorId": "pathward-financial",
  "authorName": "Pathward Financial",
  "documentKindSlug": "pitchdeck",
  "documentKindLabel": "Pitch deck",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2022-09-01 00:00:00",
  "orientation": "landscape",
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  "pageNumber": 18,
  "pageCount": 39,
  "prevPage": 17,
  "nextPage": 19,
  "slideType": "traction",
  "function": "analyze_data",
  "density": "overcrowded",
  "nDataPoints": 12,
  "notes": "Includes YTD22 annualized data and fiscal year context.",
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  "slideHref": "/slides/019de073-91b9-702a-8f5f-79de0f8ee2dd/18",
  "deckHref": "/decks/019de073-91b9-702a-8f5f-79de0f8ee2dd",
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  "deckAnchorHref": "/decks/019de073-91b9-702a-8f5f-79de0f8ee2dd#slide-18",
  "components": [
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      "kind": "chart",
      "text": "Noninterest Income ($M)",
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      "text": "YTD22 Revenue Breakdown",
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      "kind": "chart",
      "text": "YTD22 Noninterest Income Breakdown",
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      "kind": "disclaimer",
      "text": "1 YTD22 is annualized. Annualization excludes one time gain on sale of trademarks, refund transfer product fees, and taxpayer advance product fees. 2 See appendix for Non-GAAP financial measures reconciliations. Note: Periods reflect Pathward Financial fiscal year ending September 30",
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      "kind": "list",
      "text": "For the nine months ended June 30, 2022, non interest income represented 52% of total operating revenue. Fee income from payments, tax advance and refund transfer, and rental income generate consistent fee income year over year. Total tax services product income, net of losses and direct product expenses, increased 9% to $43.5 million YTD vs same period 2021",
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      "kind": "title",
      "text": "DIVERSIFIED NONINTEREST INCOME STREAMS",
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      "evidence": "The traction section highlights the company's compelling profitability and diversified noninterest income streams.",
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      "evidence": "The deck presents a clear and concise overview of Pathward Financial's business, highlighting its strengths and opportunities.",
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      "structure": "The Why (Belief) -> The How (Process) -> The What (Result)",
      "confidence": 0.7,
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    },
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      "position": 1,
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      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
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